So little money, so much you can do

I'M NOT sure what everyone means by "hunkering down," though I suspect there's no nudity involved. Hunkering down sounds sort of appealing, though. Like something you'd do in slippers and an old sweat shirt. And pants, of course. Never forget the pants.

I suppose you could hunker up, but you'd be defying all the trends. Most people are hunkering down these days, which I think means lying low and saving your pennies in tough times.

With that in mind, here are some penny-pinching activities to do while hunkering down. Some, in fact, are free.